Traditional Health Plans

Traditional Health Insurance Plans

When you apply directly through a California health insurance carrier like Blue Shield - referred to as an off-exchange enrollment (traditional health plan) - you are not asked to provide any income related information. Off-exchange, you will find plans that mirror the covered California plans exactly in benefits and rates, but, you'll find plans that are unique to the off-exchange-market as well.

Everyone is different, so it’s important to choose a health insurance plan that works for your lifestyle and your financial picture.

Carriers That You Know

From Blue Shield to Kaiser, HealthNet, Anthem and more, you’ll have a choice of buying insurance from at least two but as many as six private insurance companies, depending on where you live. The vast majority of health insurance consumers have access to insurance plans from at least three different companies. Each plan offers products in multiple metal tiers (or coverage levels), which vary whether you want to pay more for your monthly premium and less when you use care, or pay less for your premium and more when you use care.

Partnered with Good Circle Insurance for Your Health Plan

Here's three reasons why getting a health plan through us is smart.

1. You use our services for free. Agents make money through commissions that are already factored into the cost of every health insurance plan, no matter where you buy it or whether an agent was involved. A plan never costs more just because you choose to buy with an agent. When you understand the benefits of shopping through a licensed agent – and the fact that you don’t have to pay more for using an agent – it’s easy to see why shopping with an agent is the smart way to go.

2. Agents make it easy to understand your options. Unless you have a real passion for fine print and health insurance terminology, it’s not always easy to understand what you’re seeing when comparing health insurance options. Licensed health insurance agents, like us, live and breathe this stuff every day, and we’re specially trained to help you understand how plans differ from one another and how your coverage will actually work in the real world.

3. We are your advocates even after you enroll. An agent is there for you even after you buy a new health insurance plan. We can help you re-shop each year during the Obamacare open enrollment period, or whenever big life changes happen and you need to update your coverage. What’s more, we can serve as your advocate with the insurance company when you have questions about benefits or about how a medical claim was processed.